Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$140,000

3990 APPALOOSA Road, Middleburg, FL 32068, Middleburg, FL 32068

Longbay

Price
$140,000
Beds / Baths
0 / 0
Living area
0 sqft
Year built
0
Type
Land
Lot
0.96 ac
Garage
0
HOA
None
CDD
No
Flood zone
Unknown
County
Clay
Days on market
293

Discover the perfect blend of peace and accessibility with this beautiful one-acre lot located in the heart of Middleburg. Enjoy the serenity of a country setting while remaining just minutes from retail centers, dining, professional offices, hospitals, and the First Coast Expressway. This versatile property offers endless possibilities-build your dream home or place a mobile home with ease. Zoned for agricultural use, it provides the flexibility to accommodate horse, chickens, goats, ATVs, and RVs. The lot is cleared, fully fenced, and features an existing septic system, well and electric pole. The buyer is responsible for verifying the condition of all utilities. With no HOA or CDD fees, you'll have the freedom to design the lifestyle you've been looking for. Don't miss this rare opportunity to own peaceful piece of Middleburg, just short drive from all the conveniences of modern living.

What to check on this one

  • Verify septic system and well are functional; get service records and last inspection date.
  • Confirm electric pole capacity and connection status with utility company.
  • Obtain flood zone designation from FEMA; request elevation certificate if in AE/VE.
  • Verify zoning allows intended use (residential build, mobile home, or agricultural operations).
  • Review title for easements, deed restrictions, or liens affecting the property.
  • Confirm lot survey is current and accurate; verify fencing is within property lines.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$726/mo
Property tax (1.1% eff., Clay Co.)$128/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$1,146/mo

Loan $112,000 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of WATSON REALTY CORP. Data via realMLS (Northeast Florida MLS), updated May 14, 2026, 11:53 AM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.